For decades retirement savings have formed the foundation of a financial plan, and for good reason – but did you know that retirement savings can not only help finance your older years, they can save you money on tax right now? It’s a common mistake, but many people forget to declare contributions to their retirement annuity (RA) in their tax return. The SA Revenue Service (SARS) allows tax deductions for contributions to your RA, a pension […]
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How to have a financially savvy Valentine’s Day
It’s Valentine’s Day this month, a holiday that doesn’t get much love for the way it costs plenty of sensible people a lot of foolish spending. This Valentine’s, why not take a more financially prudent stance? First things first: have the important talks as a coupleThe number of couples who get engaged or take their relationship to the next level around Valentine’s Day is significant… and it’s worth noting that those who talk about money beforehand […]
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The number one conversation to have around your finances this year
For many of us, the first conversation any one has with us about our financial planning is around retirement. Either retirement is too close and is a tad on the stressful side to chat about (particularly if we’re a little behind in our investment strategy) or it’s just far enough away for us not to take it seriously. This blog has been written as a conversation sparker for you, your family, friends and colleagues. Stats show […]
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What to eat for your most productive January ever
If ever there was a universal cheat-meal week… it must be the week between Christmas day and New Years day. And that’s for the most diligent – if we’re honest, most of us view it as a two-to-three week cheat… Everyone could use a boost of healthy eating come January! Here, we’ve rounded up the best things to eat – and how to eat them – to improve concentration, creativity and productivity. Egg in your face […]
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Five ways to improve your productivity
If your to-do list is stressing you out now that the holidays are over, worry no more. Sometimes productivity is not about trying to squeeze even more things into each day, which is still stubbornly refusing to be any longer than 24 hours, but rather about working smarter. Not harder – especially so soon after you’ve left your sun lounger. We all want to be more productive when January rolls around, but can we be? Here […]
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Five apps to get for your best year yet
We’ve all done it – made New Year’s resolutions and never fulfilled them. This January, why not get some little helpers instead? These apps will make 2019 a breeze. The ‘be more mindful’ resolution substitution: Kyō Most productivity apps help you try and cram more into your already busy day, but Kyō does the opposite. The Kyō app helps the user to reflect at the end of each day on what was truly important, what was […]
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New Year’s resolutions for more wealth and financial health in 2019
When 1 January rolls around, most of us are a little worse for wear: we’ve overindulged, under-exercised and are more than a little tired. It’s the same with our finances – many of our wallets take a financial overindulgence through the festive season. Fear not – with a few simple commitments, you can get keep your finances in shape and fighting fit for 2019 in no time. Deal with debt once and for all Merlin famously […]
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Easy ways to eliminate waste this festive season
It’s a terrible misnomer, but the festive season – which is all about cheer and goodwill to all in various religions – is one of the most wasteful of the year. There are piles of present wrappings, tons of unwanted toys and lots of leftovers – but it doesn’t have to be that way. To enjoy less wasteful and more charitable festivities this year, just follow these tips: Wrapping waste Recycle all your wrapping paper or […]
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Four things to do if the markets crash this December
December should be a time of rest and relaxation – but for South African investors, the month comes with ominous memories. ‘Nenegate’ and Zuma’s infamous cabinet reshuffle, the Steinhoff collapse and several other rand-slaughtering incidents occurred in the month of the year when everyone was hopefully on holiday; plus the ANC elections occur next December too. So, what is an investor to do when the last month of the year rolls around and disaster strikes? In […]
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Your Christmas wish list for increasing productivity in 2019
It’s that time of year again, when loved ones begin asking: ‘what do you want for Christmas?’ Your PA is also going to look at you with expectant eyes in terms of what gifts to order for clients, seniors in the company and such. Answering ‘nothing’ is not going to get you very far with either and, so, we’ve compiled a list of the coolest gift ideas that’ll equip and excite for work in 2019 before […]
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